Yes, I'm well aware of all those password tricks too but thanks for the suggestions, it's easy to forget some of those. The problem here and I've known this for years is with an insider. This girl who was arrested is a Systems Engineer who worked for Cap One. She knows exactly how to break in to the system and do this and that's where the problem lies. The best password in the world means nothing when someone like her simply steals all our data from the inside and sells it on the Dark Web.

As a tax guy I get emails from the IRS and Tax Pro type publications all the time about identity theft where a thief files a return in your name using hacked data like this. They fill in the W2 info and create a typical refund like 2-3K. Later when you go to file yourself, you get an efile error saying the return has already been filed. Now you have to contact the IRS and tell them you think you're the victim of ID theft and you have to go through hoops to show them what happened. At that point the fake return becomes their problem not yours and they will accept your actual return.

The easy solution to that is to get your return in first so as soon as you have your stuff together get that thing done and efiled whether you do it yourself or use a paid preparer. Then it's the thief who gets the efile error.

Bob

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